§Providing access to vital services: You must provide access to hot and cold water, electricity, heat and fuel (e.g. natural gas).

Some of the CFIRA folks and a handful of others appear to be pushing hard for clarity and a modification of current "finder" laws for finding accredited investors.  

It has been in modification since 2008 and noticed in paper 5 separate times for forecloser. 

I don't have a hold/sell recommendation as I am unfamiliar with the market in northern VA, but you may want to check if your lender can offer a loan modification.

As an investor, that taxed money is vital to continued growth and I would obviously like to hold on to as much as possible.

Loan File Chain of assignmentTitle – Verify lien position, other junior liensNote modifications / forbearanceOrigination documents – 1003, disclosures, HUDVerify Fee simple estateServicing File Mortgage payment historyBorrower Credit ratingLegal In bankruptcy process?

The "owner" said she had done a loan modification which she did not make any payments for so I'm wondering if she didn't give up the "normal/public trustee process" approach in exchange for the loan mod.

They get a plethora of tax writeoffs, tons of loans and grants for home modifications, and there are a lot of requirements as to the condition of the property or teh sale will be denied.

I'm going to be more active on the forums from here on out, because I have realized that this is a vital point in my life in terms of REI – my first investment may be only a year or two away, so it would be best if I engage with others on the forums. 

So far a great read - motivational, vital info, and a must read.